| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 145 W FRONT ST MISSOULA, MT 59801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 16.20% |
| NEIL OWEN MALCOM3 | 3627 W 48TH AVE KENNEWICK, WA 99337 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 6.01% |
| LAURIE C BERRY3 | 6633 67TH PL NE MARYSVILLE, WA 98270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $612 | $2K | 3.40% |
| JESSICA LOREE GROW3 | 10 S VANCOUVER ST KENNEWICK, WA 99336 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $344 | $2K | 3.10% |
| VALORIE L STRICKLAND3 | 1437 CIMARRON PL RICHLAND, WA 99352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $50 | $2K | 2.89% |
| CHRISTOPHER ROBERT BERRY3 | 20110 75TH AVE W LYNNWOOD, WA 98036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $659 | $480 | $1K | 2.15% |
| HEATHER THURMAN RICHINS3 | 12608 NE 114TH PL KIRKLAND, WA 98033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $720 | $197 | $917 | 1.73% |
| DALE WITWER3 | 4535 MURIS LANE PASCO, WA 99301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $268 | $372 | $640 | 1.21% |
| WALTER A RAUDA3 | 912 N 10TH AVE UNIT 3 YAKIMA, WA 98902 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $267 | $140 | $407 | 0.77% |
| RYAN G YOUNG3 | 336 N PALM STREET VAN, TX 75790 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $273 | $101 | $374 | 0.71% |
| EDWARD E SANCHEZ3 | 20603 15TH AVE S SEATAC, WA 98198 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $359 | $14 | $373 | 0.70% |
| LUANN E DAVIS3 | 325 NORTH GRANT STREET KENNEWICK, WA 99336 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | $138 | $366 | 0.69% |
| TERESA FELLER3 | 3405 172ND STREET NE STE 5 ARLINGTON, WA 98223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $194 | $71 | $265 | 0.50% |
| ROBIN JO SANDERS3 | 717 FRANCIS AVE WALLA WALLA, WA 99362 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $256 | — | $256 | 0.48% |
| MARIA SELENA SALAS RAMIREZ3 | 912 NORTH 10TH AVE YAKIMA, WA 98902 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | $39 | $161 | 0.30% |
| HEARTSEASE LLC3 | 1521 NE 63RD AVE HILLSBORO, OR 97124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | — | $139 | 0.26% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH ST RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.10% |
| PREMIER WORKSITE SOLUTIONS INC3 | 112 NW 114TH ST VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.09% |
| CHRISTINE LYNN MORGESTER3 | 988 SW 26TH ST TROUTDALE, OR 97060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.07% |
| FIRST STREET BENEFITS GROUP LLC3 | 912 NORTH 10TH AVE YAKIMA, WA 98902 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $6 | $39 | 0.07% |
| DONALD C SAVOY INC3 Filed as: DONALD TERRY GOTHAM | 3129 ECLIPSE DR GREEN BAY, WI 54311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.07% |
| SUSAN J LEACH3 | 4419 NE 131ST PLACE PORTLAND, OR 97230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.06% |
| JUDY INEZ BUCHOLTZ3 Filed as: JUDY I BUCHOLTZ | 12517-217TH AVE CT E BONNEY LAKE, WA 98391 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO | PO BOX 62949 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER ST STE B MISSOULA, MT 59806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $367 | -$467 | -$100 | -0.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER ST STE B MISSOULA, MT 59806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | -$692 | -$692 | -4.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 390 BRADLEY BOULEVARD RICHLAND, WA 99352 | THE CINCINNATI LIFE INSURANCE COMPANY | $71 | — | $71 | 2.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 390 BRADLEY BOULEVARD RICHLAND, WA 99352 | THE CINCINNATI LIFE INSURANCE COMPANY | $54 | — | $54 | 2.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE CINCINNATI LIFE INSURANCE COMPANY | 5 | $6K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 50 | $53K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 19 | $15K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 50 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 50 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.